The APP scams reimbursement dashboard Q3 2025, provides an assessment of the first year of the mandatory reimbursement requirement.
Key updates include:
➡️ 88% (£173m) of money lost to reimbursable APP scams was returned to victims between October 2024 and September 2025, compared with a 65% reimbursement rate reported by UK Finance in 2024;
➡️ Consumers submitted around 269,000 APP scam claims over the year, with 188,000 in scope for reimbursement - around 15% fewer claims than the previous year;
➡️ Reimbursement rates in Q3 2025 increased slightly compared with Q2, remaining between 87-89%, while total quarterly reimbursements rose to £61.1m;
➡️ While the proportion of claims resolved within five days dipped to 78% in Q3 2025, the overall average across the first year remains around 85%; and
➡️ Claims rejected for insufficient consumer caution remain consistently low at around 3%, despite an increase in overall claim volumes.
✅ Payment firms should continue to focus on timely claims handling, and operational performance as APP scam volumes increase under the reimbursement regime.